Instuitional Investor - Nbt Bank N A

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Ishares Msci Eafe Growth Etf		245,897	$23,815,125	3.85%
2.	Exxon Mobil Corp	XOM	181,219	$18,118,275	2.93%
3.	Trane Technologies Plc	TT	73,641	$17,961,040	2.9%
4.	Mcdonalds Corp	MCD	58,802	$17,435,381	2.82%
5.	Lowes Companies Inc	LOW	77,766	$17,306,824	2.8%